Spain Salary Calculator: Gross to Net
Enter your gross salary and see your real take-home pay after Spanish IRPF income tax and Social Security. Works for W-2 employees and autónomos — with a Beckham Law comparison built in.
Your salary
Regional IRPF surcharge varies ±2–3%. National average used by default.
Your freelance income
Office, equipment, software, professional fees, travel — anything legitimately billed to the business.
Your estimated take-home pay
Net annual income
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—
Under Beckham Law (24% flat)
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You'd keep
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more per year
How this estimate works
- IRPF (income tax) uses approximate combined national + regional rates (19%–47%) applied after the personal allowance of €5,550 and a standard work-expense deduction of €2,000 for employees.
- Employee Social Security is the employee-side contribution only (4.70% general contingencies + 1.55% unemployment + 0.10% training = 6.35%). Your employer pays an additional ~29.9% on top — that cost is not reflected here.
- Autónomo RETA quota is calculated from the 2024/2025 reform table, which links your monthly quota (€200–€590) to your estimated net income. Autónomos must also make quarterly IRPF advance payments (pagos fraccionados, 20%).
- Beckham Law applies a flat 24% on gross with no personal allowance and no work deduction. Income above €600,000 is taxed at 47%. Under Beckham, Social Security contributions remain the same.
- Madrid IRPF is roughly 2–3% lower than the national average due to the Madrid regional bonus. Catalonia and Valencia run slightly higher.
- This is an approximation for planning. Actual tax depends on your full tax return, deductions, and personal circumstances.
Not legal or financial advice. This calculator provides illustrative estimates only. Actual tax liability depends on your autonomous community, marital status, dependents, deductions, and income classification. Consult a licensed tax advisor before making any financial decisions.
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